Best Home Warranty Companies In new jersey 2024

Your New Jersey home’s systems face constant challenges, from scorching summers to unpredictable winters. This guide explores the best home warranty companies in New Jersey, helping you find a plan to safeguard your essential systems and keep your home running smoothly year-round. Discover the perfect warranty for stress-free living and budget protection.

Our Picks: 5 Best Home Warranty Companies For new jersey Residents

After careful evaluation, we've selected the top 5 home warranty companies for New Jersey homeowners. Offering comprehensive coverage and reliable service year-round, they keep your home worry-free.

Highly Rated By Customers

4.9 |

Excellent

$150 Off + 1 Month Free. 30 Day Free Trial!

Monthly Cost

$45 - $60

Service Fee

$70

Response Time

24 - 48 hours

(888) 580-5416

Pros & Cons

Pros

90-day workmanship guarantee
Coverage limits up to $8,000
30-day free trial

Cons

People find difficulty in knowing exact pricing information

Plans, Cost & Coverage

Elite Home Warranty offers three distinct plans: Elite Appliances, Elite Systems, and Elite Complete. With prices starting at $44 per month, these plans ensure appliance coverage up to $7,000 and system coverage up to $8,000 per contract term.

Here is a detailed overview of Elite Home Warranty plans and pricing:

	Elite Appliances	Elite Systems	Elite Complete
Cost at $70 Service Call Fee	$44.99	$49.99	$59.99

Elite Appliances

Covers eight essential household appliances, including garbage disposal, refrigerator, and dishwasher, among others
Appliances are protected for up to $7,000 throughout the contract term, offering peace of mind against malfunctions
It’s a good choice for those seeking thorough appliance coverage under $45 per month

Elite Systems Plan

Provides coverage for seven essential home systems, such as air conditioning, electrical, plumbing, and water heater
Systems are protected for up to $8,000, ensuring comprehensive coverage for essential home systems
It’s ideal for individuals looking for thorough home system coverage for less than $50 per month

Elite Complete

This comprehensive plan offers protection for both home systems and appliances
Offers coverage limits of up to $7,000 for appliances and $8,000 for systems per contract term
Suitable for homeowners seeking comprehensive protection for their home systems and appliances at a monthly cost of under $60

Why We Picked It?

Elite Home Warranty offers customizable coverage plans, allowing customers to tailor their selection of appliances or systems without additional charges. They provide homeowners ample dollar limits of up to $8,000 per appliance contract term.

Moreover, Elite Home Warranty offers exclusive features like a 30-day free trial, the option to select a preferred technician, a money-back guarantee, and more.

Best For Comprehensive Plans

4.1 |

Excellent

1^st month free + Free roof coverage

Monthly Cost

$50 - $58

Service Fee

$75 - $125

Response Time

Up to 48 hours

Pros & Cons

Pros

90-day parts protection guarantee
Free roof leaks coverage
Provides budget-friendly plans

Cons

Lesser coverage limits

Plans, Cost & Coverage

Choice Home Warranty offers homeowners two choices: the Basic Plan and the Total Plan, starting at $50 monthly. Service call fees range from $75 to $125 for each request. Additionally, for accessing, diagnosing, and repairing covered items, Choice Home Warranty provides coverage of up to $3,000 per contract term.

Here’s how much the company charges for each of its plans:

Plans	Monthly	Yearly
Basic Plan	$49.83	$567
Total Plan	$58.58	$668

Basic Plan

Includes fourteen essential home systems and appliances
Covers heating, electrical, plumbing, and kitchen appliances
Perfect for homeowners in search of fundamental protection for their home appliances and systems

Total Plan

This plan provides broader coverage, protecting a total of 18 items
It encompasses everything in the Basic plan plus laundry appliances
Ideal for maximum coverage and protection of your most valuable possessions

Why We Picked It?

Choice Home Warranty offers peace of mind backed by over 14 years of industry experience and handling over 6 million service requests. Having served nearly 2 million homes, they prioritize prompt and efficient service. Additionally, their extensive network of over 25,000 contractors guarantees quick responses to your claims, ensuring thorough care for your home.

The Industry Leader

4.5 |

Excellent

Monthly Cost

$59 - $99

Service Fee

$100 & $125

Response Time

Up to 48 hours

Pros & Cons

Pros

Generous coverage limits
Network of skilled technicians
Exclusive discounts on ShieldGold & ShieldPlatinum plans

Cons

Higher premiums compared to others

Plans, Cost & Coverage

AHS offers three plans: ShieldSilver, ShieldGold, and ShieldPlatinum, priced between $59.99 and $99.99 monthly. Deductibles are available at $100 or $125, with appliance coverage capped at $4,000 and system coverage at $5,000.

Take a look at the table below to learn more about the plans and pricing:

	ShieldSilver	ShieldGold	ShieldPlatinum
Cost at $125 Service Call Fee	$59.99	$59.16	$89.99
Cost at $100 Service Call Fee	$69.99	$69.16	$99.99

ShieldSilver

This plan protects 14 vital home systems, including AC, heating, electrical, and plumbing
Suitable for New Jersey homeowners prioritizing system safety

ShieldGold

Covers 23 essential systems and kitchen and laundry appliances
This plan provides medium-level appliance coverage, capped at $2,000 each
Ideal for homeowners seeking comprehensive coverage for their home systems and appliances

ShieldPlatinum

This comprehensive plan includes everything from the other two plans, plus protection against roof leaks
Offers maximum appliance coverage, up to $4,000 each
Ideal for homeowners seeking extensive coverage options

Why We Picked It?

American Home Shield provides extensive coverage for various home systems and appliances. Their customizable plans cater to your specific requirements and budget. Transparent pricing and a simple claims process ensure easy protection against unforeseen repair expenses.

Best For Affordable Coverage

3.8 |

Excellent

$150 off + Free roof coverage + 2 months free

Monthly Cost

$44 - $47

Service Fee

$60 - $75

Response Time

12 - 48 hours

Pros & Cons

Pros

Offers budget-friendly plans
Two months free with annual plans
Same-day response on claims

Cons

Lesser coverage limits

Plans, Cost & Coverage

Select Home Warranty offers three plans for homeowners to choose from – Bronze Care, Gold Care, and Platinum Care. These plans come with monthly pricing ranging from $44 to $47. Additionally, Select Home Warranty imposes a cap of $2,000 per covered item throughout the contract term.

Here is a breakdown of SHW’s costs and plans:

	Bronze Care	Gold Care	Platinum Care
Cost/Month	$44.42	$44.42	$47.75
Cost/Annum	$479.99	$479.99	$524.99

Bronze Plan

This plan provides coverage for 8 household appliances
Covers key kitchen appliances like the refrigerator, oven, and dishwasher
It’s a suitable choice for those prioritizing appliance protection

Gold Plan

This plan offers coverage for 7 essential home systems
Covers HVAC, plumbing, water heater, and electrical systems
It’s tailored for homeowners seeking coverage for their vital home systems

Platinum Plan

Covering a total of 18 systems and appliances
This comprehensive plan includes protection for plumbing stoppages, garage door openers, and ceiling fans
It’s an ideal choice for homeowners looking for extensive home coverage at an affordable rate of under $50 per month

Why We Picked It?

Select Home Warranty, with more than 11 years of industry experience, is renowned for providing comprehensive coverage options at affordable rates. The company stands out for its dedication to customer satisfaction, exemplified by the complimentary roof coverage included in every plan. Moreover, customers can further tailor their coverage with additional options, ensuring a personalized approach to their home warranty needs.

Best For Add-Ons

4.7 |

Excellent

$200 Off + 2 Months Free + Free Roof Leak Protection

Monthly Cost

$49 - $59

Service Fee

$90

Response Time

Up to 48 hours

Pros & Cons

Pros

Repairs protected for 90 days
Free roof leak protection available
Offers live chat option for customers

Cons

Comparatively newer in the market

Plans, Cost & Coverage

Liberty Home Guard has three plan options: Appliance Guard, System Guard, and Total Home Guard. Prices start at $49 each month, with a fixed $90 fee per visit. Moreover, the company will pay up to $2,000 per contract term for any repair or replacement.

Here’s more about the cost and plans offered by Liberty Home Guard:

	Appliances Guard	Systems Guard	Total Home Guard
Monthly Plan	$49.99	$54.99	$59.99
Annual Plan	$499.99	$549.99	$599.99

Appliances Guard

Provides repair and replacements for 9 main appliances
Includes protection for appliances such as refrigerators, dishwashers, and ovens
Perfect if you want thorough appliance protection

Systems Guard

Safeguards 6 vital home systems like HVAC, heating, plumbing, etc.
Ideal for New Jersey residents who want to protect key home systems

Total Home Guard

Provides complete coverage by combining both Appliance and System Guard plans, guarding nearly 15 home systems and appliances
Suitable for NJ homeowners who want all-around protection

Why We Picked It?

Liberty Home Guard is praised by happy customers everywhere, with a stellar 4.5 out of 5 rating and hundreds of positive reviews. Their top-notch service, complete pest control, 24/7 support, and extensive coverage for home appliances and systems make them a standout choice.

OUR #1 PICK

$150 Off + First Month Free

Don't let broken appliance break the bank

4.9/5

(888) 580-5416

Are Home Warranty Plans Beneficial For New Jersey Homeowners?

Let’s find out why you must explore home warranties in New Jersey:

Home warranty plans in New Jersey can provide coverage for essential systems like HVAC and appliances, safeguarding homeowners against the effects of the state's coastal climate, including saltwater corrosion and humidity-related issues.
Many homes in New Jersey have basements, and home warranty plans can offer protection against leaks, helping homeowners avoid costly repairs due to flooding or water damage.
New Jersey experiences hot summers and cold winters, making HVAC systems crucial for comfort. Home warranty plans often cover repairs or replacements for HVAC systems, ensuring homeowners stay comfortable year-round.
With many homes in New Jersey equipped with pools, home warranty plans can include coverage for pool pumps, heaters, and other equipment, providing peace of mind to pool-owning homeowners.
Given New Jersey's susceptibility to heavy rainfall and flooding, home warranty plans may include coverage for sump pump systems, helping homeowners prevent water damage.
Many homes in New Jersey are older and may have aging infrastructure. Home warranty plans can help cover repair or replacement costs for aging appliances, plumbing, and electrical systems, mitigating the financial burden of maintaining older properties.

How Much Does A New Jersey Home Warranty Cost?

We have listed below the average premiums and deductibles you can expect to pay for a home warranty in New Jersey.

Average Annual Cost

$300 - $700

Average Monthly Cost

$30 - $80

Average Service Fee (Deductible)

$60 - $125

Factors Influencing The Cost Of The Home Warranty

Property Size & Value The size and value of the home can influence the cost of a home warranty in New Jersey. Larger or more expensive properties typically require higher premiums.
Coverage Options & Limits The extent of coverage the homeowner selects, including add-ons for specific items, can impact the home warranty cost. More comprehensive coverage may result in higher premiums.
Provider & Plan Selection The homeowner's choice of home warranty provider and the specific plan selected can impact the cost of coverage. Different providers may offer varying pricing structures and coverage options, allowing homeowners to select plans that align with their budget and needs.

Home Warranty Coverage In New Jersey

Let’s explore some general coverage details about New Jersey home warranty:

General Coverage Of New Jersey Home Warranty

Essential Systems Home warranty plans commonly cover plumbing and electrical systems, including repairs for leaks, faulty wiring, and electrical issues.
Major Appliances New Jersey home warranty plans also cover repair or replacement costs for kitchen and laundry appliances.
Garage Door Openers Many home warranty plans in New Jersey include coverage for garage door openers, offering protection against malfunctions or breakdowns of this essential home security and convenience component.

Common Exclusions

Acts of Nature Most home warranty plans exclude coverage for damages caused by earthquakes, floods, hurricanes, etc.
Pre-existing Damages Home warranty plans often exclude coverage for pre-existing conditions, emphasizing the importance of disclosing any known problems during the coverage evaluation process.
Improper Maintenance Damage caused by improper or no maintenance of the covered systems and appliances is usually excluded.

Here Are Some Additional Points To Consider

Local Service Network Consider the extent and reliability of the home warranty company’s service network in New Jersey. Ensure that qualified technicians are available in your area to address repair needs when they arise promptly.
Coverage Flexibility Look for home warranty plans that offer flexible coverage options, allowing you to tailor the plan to your specific needs and budget. If relevant to your property, consider add-ons for items not typically covered, such as pool equipment or well pumps.
Customer Support Evaluate the quality of customer support the home warranty company offers. Look for providers with responsive customer service teams to assist you with inquiries, claims processing, and troubleshooting.

Who Regulates Home Warranty Companies In New Jersey?

In New Jersey, home warranty companies are subject to oversight from two key entities:

New Jersey Department of Consumer Affairs (DCA) The DCA's Division of Consumer Affairs plays a vital role. It licenses home warranty companies and enforces regulations, ensuring they operate fairly and according to the law. This includes reviewing and approving warranty contracts to ensure clarity, comprehensiveness, and adherence to specific standards.
New Jersey Attorney General's Office In New Jersey, home warranty contracts are subject to the state's Consumer Fraud Act. This law, enforced by the Consumer Protection Division, prohibits deceptive and unfair business practices. When buying a home warranty, you're safeguarded from misleading advertising and sales tactics.

Final Word

In New Jersey, the need for reliable home warranty coverage remains paramount. Your best company must embody reliability, transparency, and responsiveness and stand ready to provide peace of mind!

OUR #1 PICK

$150 Off + First Month Free

Don't let broken appliance break the bank

4.9/5

(888) 580-5416

Frequently Asked Questions (FAQs)

What Are The Most Common Repairs In New Jersey?

In New Jersey, common appliance repairs often revolve around issues such as refrigerator compressor problems, especially in the hot and humid climate, and air conditioner repairs due to the need for reliable cooling.

How To Cancel Choice Home Warranty?

To cancel your Choice Home Warranty, contact their customer service hotline at 888-373-7924. A representative will assist you in closing your account via phone, and once the process is finalized, you’ll receive a confirmation email. You’ll be asked about your decision during the cancellation call, and certain fees may apply.

Is A Home Warranty Mandatory In New Jersey?

A home warranty is not mandatory in New Jersey. Home warranties are optional service contracts that homeowners can purchase to cover the repair or replacement of major home systems and appliances. While some homeowners choose to have a home warranty for added peace of mind, it is not a legal requirement.